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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $54,075 | $126,661-57.3% | $113,397-52.3% | $138,895-61.1% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.5%+23.5pp | 79.9%+20.1pp |
| Annual return | 19.44% | 25.05%-5.6pp | 23.20%-3.8pp | 145.39%-126.0pp |
| Employer contribution / active EE | $3,991 | $3,456+15.5% | $2,977+34.0% | $4,194-4.9% |
| Participant deferral / active EE | $4,848 | $5,693-14.8% | $5,076-4.5% | $6,396-24.2% |
| Admin fee / account holder | $1,079 | $14,549-92.6% | $11,957-91.0% | $12,562-91.4% |